Loans | Mortgage | Savings| Certificates

Rates Effective as of May 1, 2014

LOANS

 

 

 

Motorcycle Loan

Term in Months

Rates as low as APR*

Payment Examples of New Motorcycle Loans per $10,000.00 borrowed

3 years at 3.99% - 36 monthly payments of $295.32 36

3.99

3.99

4 years at 3.99% - 48 monthly payments of $225.84 48

3.99

3.99

5 years at 3.99% - 60 monthly payments of $184.20 60

3.99

3.99

       
Payment Example of Used Motorcycle Loans per $10,000 borrowed      
3 years at 4.99%- 36 monthly payments of $299.80 36 4.99 4.99
4 years at 4.99%- 48 monthly payments of $230.34 48 4.99 4.99
5 years at 4.99%- 60 monthly payments of $186.74 60 4.99 4.99

Regular Auto Loans

Term in Months 

Rates as low as 

 APR*

Payment Examples of New Auto Loans per $10,000.00 borrowed

3 years at 2.99% - 36 monthly payments of $289.00 36 2.99 2.99
4 years at 3.99% - 48 monthly payments of $222.00 48 3.99 3.99

5 years at 3.99% - 60 monthly payments of $185.00

60 3.99 3.99
6 years at 3.99% - 72 monthly payments of $162.00 72 3.99 3.99
7 years at 4.99% - 84 monthly payments of $147.00 84 4.99 4.99
Payment Examples of Used Auto Loans per $10,000.00 borrowed (2009 or newer) 
   
3 years at 2.99% - 36 monthly payments of $290.90 36 2.99 2.99
4 years at 3.99% - 48 monthly payments of $225.84 48 3.99 3.99
5 years at 3.99% - 60 monthly payments of $184.20 60 3.99 3.99

VISA Cards

 

Rates as low as 

APR* 

VISA Credit Cards

     
VISA Platinum   n/a 8.99 8.99

Share Secured VISA Card

 

Rate 

APR* 

Purchases n/a 7.00 7.00
Cash Advances n/a 8.50 8.50

Starter Platinum VISA Card

     
      16.99

 Personal Loan

Term in Months

Rates as low as

APR*

Payment Examples of Personal Loans per $1,000.00 borrowed

 1 year at 4.99% 12 monthly payments of $85.64 12 4.99 4.99
 2 years at 6.99% - 24 monthly payments of $44.80 24 6.99 6.99
 3 years at 7.99% - 36 monthly payments of $31.36 36 7.99 7.99
 4 years at 8.99% - 48 monthly payments of $24.90 48 8.99 8.99
 5 years at 9.99% - 60 monthly payments of $21.26 60 9.99 9.99
 6 years at 10.99% - 72 monthly payments of $19.06 72 10.99 10.99
 7 years at 11.99% - 84 monthly payments of $17.68 84 11.99 11.99

Certain restrictions may apply to all loan types.  All loans are subject to credit approval.
Rates may change without prior notice.  Rates are based upon applicant credit worthiness and ability to repay.
APR* = Annual Percentage Rate    

 

Terms in Months

Rate

APR*

Share Secured Loan

     
Payment Examples of Loan per $1,000.00 borrowed
 
     
5 years at 3.60 - 60 monthly payments of $19.00 60 3.60 3.60
7 years at 4.10% - 84 monthly payments of $14.00 84 4.10 4.10

Military Buyback/Retirement Loan

     
Payment Example of Military Buyback/Retirement Loan per $10,000 borrowed    
 
3 months at 9.00% - 1 payment of $10,152.41 3 9.00 9.00
       
Enhanced Line of Credit n/a 11.75 11.75
       

The terms set forth is used only to calculate payments. No in-house refinancing on specials. Some restrictions may apply. All rates are subject to change without prior notice.  Call the credit union at (808) 853-2355 for current rates.

APR* = Annual Percentage Rate

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Fixed Rate 1st Mortgage 12 year term Investment Property
Rate Points APR*

6.00

0 6.00

Payment Example: A loan of $100,000 with a 5.25% APR* and no points would have the
following payment and total interest paid at the following loan terms: 

Term
Payment

Monthly P & I

Total Interest Paid
12 Years
144
$977
$40,604.64

 

Fixed Rate 1st Mortgage 15 year term Owner Occupied
Rate Points APR*
4.75 0 4.75

Payment Example: A loan of $100,000 with a 4.75% APR* and no points would have the
 following payment and total interest paid at the following loan terms:

Term
No. of Payments

Monthly P & I

Total Interest Paid
15 Years
180
$779.00
$39,942.41

 

Fixed Rate 1st Mortgage 20 year term Owner Occupied
Rate Points APR*

5.25

0 5.25

Payment Example: A loan of $100,000 with a 5.25% APR* and no points would have the
following payment and total interest paid at the following loan terms:

Term
No. of Payments

Monthly P & I

Total Interest Paid
20 Years
240
$675.00
$61,572.07

 

Fixed Rate 2nd Mortgage 15 year term Owner Occupied
Rate Points APR*
6.00 0 6.00
 

Payment Example: A loan of $100,000 with a 6.00% APR* and no points would have the
following payment and total interest paid at the following loan terms:

Term
Payment

Monthly P & I

Total Interest Paid
15 Years
180
$845
$51,855.18

 

***Home Equity Line of Credit- Our current APR* is 6.00%-18.00% your APR* will be based on your creditworthiness

Home Equity 12 year term Investment Property

These are open-end loan products. The terms set forth is used only to calculate payments under the open-end subaccount.

Rate Points APR*

6.00

0 6.00

Payment Example: A loan of $100,000 with a 6.00% APR* and no points would have the
 following payment and total interest paid at the following loan terms:

Term
Payment

Monthly P & I

Total Interest Paid

12 Years

144
$976.28
$40542.36

Home Equity 15 year term

Rate Points APR*

6.00

0 6.00

Payment Example: A loan of $100,000 with a 6.00% APR* and no points would have the
 following payment and total interest paid at the following loan terms:

Term
Payment

Monthly P & I

Total Interest Paid
15 Years
180
$844.22
$5,1922.32

 

Rates may change without prior notice, call the credit union at (808) 853-2355 for current rates.
Some restrictions may apply.
APR* = Annual Percentage Rate

NMLS# 462791


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Rates Effective as of October 01, 2013

 

SAVINGS

Term in Months

Minimum Balance

Dividend Rate

APY*

Regular Savings n/a 100.00

0.10

0.10
Holiday Savings Account (Up to $10,000) 12 100.00 1.00 1.00
Kidz Club (under 14 years of age) n/a 25.00 0.15 0.15
The Zone (14-17 years of age) n/a 25.00 0.15 0.15
9-1-1 Savings n/a 0.00 0.15

0.15

Checking n/a 0.00 0.00 0.00
EChecking n/a

0.00

0.25 0.25
Individual Retirement Account (IRA) n/a n/a 1.24 1.25
ROTH IRA n/a n/a 1.24 1.25
Super Savings Account  ($2,500.00 - $24,999.99) n/a 2,500.00 0.10 0.10
                                  ($25,000.00 - $49,999.99) n/a 25,000.00 0.15 0.15
                                  ($50,000.00 - $99,999.99) n/a 50,000.00 0.15 0.15
                                     ($100,000.00 and Over) n/a 100,000.00 0.15 0.15

 

Dividends are posted quarterly to your Savings account. Dividends on Super Savings accounts are posted monthly. Minimum balance requirements apply to daily balance. All rates are variable. This means the dividend rate and annual percentage yield may change every dividend period as determined by the Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. If you have any questions or need current rate information, please call (808) 853-2355. Fees could reduce earnings on these accounts.


APY* = Annual Percentage Yield
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Rates Effective as of October 01, 2013

 

CERTIFICATES

Term in Months

Minimum Deposit

Dividend Rate

APY*

         
Share Certificates 6 1,000.00 0.20 0.20
Share Certificates 12 1,000.00 0.30 0.30
Share Certificates 24 1,000.00 0.45 0.45
Share Certificates 36 1,000.00 0.60 0.60

 

Certificate rates remain fixed for the term of the certificate.  Dividends are credited quarterly and will be transferred to a savings or checking of your choice. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of the date indicated and are subject to change without prior notice. If you have any questions or need current rate information, please call (808) 853-2355.

APY* = Annual Percentage YieldBack to Top